Opened my account with National City Bank back in 2006 and never had any problems with how this bank conducted business....not until PNC took over in April 2010. Since then, I've had nothing but problems with this bank charging me invalid charges against my account! And when you call to talk with someone about the charges, they are not reasonable and will not credit you what is owed to you. One time, there was a double payment taken out of my account for $250 in error. I disputed this amount and got the $$ back but had to wait 10 days to get it.....how can this be???? I was laid off from my job and due to how the economy is these days, ended up taking a job that paid 1/2 the $$ as what i used to make.....making my budget very tight and $250 that I had budgeted to pay bills with, was now no longer available due to PNC's banking practices...at least not for 10 days!
Here's my latest problem.....after many problems with this bank, I decided to close the account. I opened another bank account and had everything switched to this account including my automated deposits. Went in to the branch to close out the account and they told me I had an amount pending for withdrawal that caused my account to be overdrawn $12.39. (this withdrawal is the only monthly automated withdrawal I have which I had forgotten about) No NSF charges had posted. So I made my $12.39 deposit and proceeded to try and close my account.....they told me I couldn't close it, that I had to wait a few days up to a week to make sure no other chrgs would post to my account. I tried explaining to them that I no longer use their bank and that nothing else should come through. They still wouldn't let me close it.
The next day, I looked at my account online and saw they charged me $36 3 different times totally $108 in NSF charges for this one "pending" $12.39 withdrawal. These charges were all chrg against my account on the same day.....how can they do that? So, I proceeded to go to the branch where I live (another city) to try and straighten this out and close my account......now they are telling me that due to an overdrawn balance they can not close out my account. They have proceeded to charge me another $36 NSF chrg plus $7/day "overdraft chrg" bringing my negative balance up to $172.00.
I have made a 3rd attempt to close out this account and they are now telling me it cannot be done.....until the NSF charges are paid.....And they also told me they will continue to charge me $7/day for 30 days and then my account will automatically be closed.......is this even legal?????? I have never had this happen to me before!
Again, I cannot afford to pay these charges that I feel have been added to my account unfairly. I made the deposit the day I learned my account was overdrawn by $12.39....not only did I pay this but now they are wanting as of today another $172. Is it just me or does this seem a little excessive? I AM DONE WITH PNC!!!!! Will be filing a complaint to the proper authorities (as soon as I figure out who that is...anyone know?) as well as the better business bureau about they unfair banking practices. STAY AWAY FROM PNC.......THEY ARE A BUNCH OF CROOKS AND THEIR CUSTOMER SERVICE STINKS!!!!!!!!!!!!